Pearson Vue National Health
Insurance Practice Test Questions and
Answers | Latest Version | 2025/2026 |
Correct & Verified
Which of the following is an example of cost-sharing in health insurance?
✔✔ A. Deductible
B. Premium
C. Coverage limit
D. Underwriting
What is a co-payment?
A. A tax on medical supplies
✔✔ B. A fixed amount paid by the insured at the time of service
C. A refund for unused services
D. A bonus paid to providers
Which type of health insurance plan typically requires the use of a network of providers and a
primary care physician referral?
1
,A. PPO
✔✔ B. HMO
C. POS
D. EPO
In a health insurance policy, what is the deductible?
A. The number of visits allowed per year
B. The doctor's total billing amount
✔✔ C. The amount the insured must pay before insurance starts covering costs
D. The total lifetime benefit of the policy
What does the term “premium” refer to in health insurance?
A. The amount paid to the doctor for services
✔✔ B. The monthly amount paid to maintain coverage
C. The cost of prescription drugs
D. The maximum out-of-pocket expense
Which of the following would most likely be covered under a basic health insurance plan?
2
,A. Cosmetic surgery
B. Over-the-counter drugs
✔✔ C. Emergency room services
D. Life insurance benefits
Which government program provides health insurance primarily for individuals age 65 and
older?
✔✔ A. Medicare
B. Medicaid
C. CHIP
D. Tricare
What does Medicaid primarily provide?
A. Income replacement for retired workers
✔✔ B. Health coverage for low-income individuals and families
C. Insurance for federal employees
D. Disability insurance for veterans
3
, Which part of Medicare covers inpatient hospital care?
A. Part B
✔✔ B. Part A
C. Part C
D. Part D
What is the role of coinsurance in a health plan?
✔✔ A. It is a percentage of costs shared by the insured after the deductible is met
B. It is a fixed fee paid each month
C. It is the cost of long-term care
D. It is the total amount reimbursed to a provider
An exclusion in a health insurance policy means:
A. It must be paid by Medicaid
✔✔ B. It is not covered under the policy
C. It has unlimited coverage
D. It is covered only after preauthorization
4
Insurance Practice Test Questions and
Answers | Latest Version | 2025/2026 |
Correct & Verified
Which of the following is an example of cost-sharing in health insurance?
✔✔ A. Deductible
B. Premium
C. Coverage limit
D. Underwriting
What is a co-payment?
A. A tax on medical supplies
✔✔ B. A fixed amount paid by the insured at the time of service
C. A refund for unused services
D. A bonus paid to providers
Which type of health insurance plan typically requires the use of a network of providers and a
primary care physician referral?
1
,A. PPO
✔✔ B. HMO
C. POS
D. EPO
In a health insurance policy, what is the deductible?
A. The number of visits allowed per year
B. The doctor's total billing amount
✔✔ C. The amount the insured must pay before insurance starts covering costs
D. The total lifetime benefit of the policy
What does the term “premium” refer to in health insurance?
A. The amount paid to the doctor for services
✔✔ B. The monthly amount paid to maintain coverage
C. The cost of prescription drugs
D. The maximum out-of-pocket expense
Which of the following would most likely be covered under a basic health insurance plan?
2
,A. Cosmetic surgery
B. Over-the-counter drugs
✔✔ C. Emergency room services
D. Life insurance benefits
Which government program provides health insurance primarily for individuals age 65 and
older?
✔✔ A. Medicare
B. Medicaid
C. CHIP
D. Tricare
What does Medicaid primarily provide?
A. Income replacement for retired workers
✔✔ B. Health coverage for low-income individuals and families
C. Insurance for federal employees
D. Disability insurance for veterans
3
, Which part of Medicare covers inpatient hospital care?
A. Part B
✔✔ B. Part A
C. Part C
D. Part D
What is the role of coinsurance in a health plan?
✔✔ A. It is a percentage of costs shared by the insured after the deductible is met
B. It is a fixed fee paid each month
C. It is the cost of long-term care
D. It is the total amount reimbursed to a provider
An exclusion in a health insurance policy means:
A. It must be paid by Medicaid
✔✔ B. It is not covered under the policy
C. It has unlimited coverage
D. It is covered only after preauthorization
4
